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New solution set to replace card terminals – enabling payments infrastructure to be set up on any device

23 June 2021

Payments in the Nordic region are set to undergo a significant digital transformation following the announcement of a three-way partnership between TietoEVRY, MYPINPAD and Surfboard Payments. In a matter of minutes, any merchant can now accept card payments and begin capturing customer data for loyalty and marketing purposes via a simple app download on a mobile phone or tablet. Replacing traditional card terminals, the new solution simplifies payments for merchants and consumers.

The TietoEVRY, MYPINPAD and Surfboard partnership brings a newly developed payment solution to the Nordic market that enables merchants to securely accept payments via any Android or iOS device without the need for single purpose card terminals. The solution supports the consumer’s choice of payment methods, such as card, Swish, mobile payments, or invoices.

Where traditional payment terminals offer very limited opportunity for merchants to add value within the customer experience and do not provide data back to the merchant for marketing purposes, the white-label solution offered by Surfboard Payments opens up a world of possibilities to redefine the check-out process in store. Data can be captured and made available to the merchant in real time for greater customer targeting and marketing activities. Furthermore, the attention-grabbing customer screen facilitates loyalty points, rewards systems and offers, and multiple payment methods are offered to enhance the check-out experience.

As TietoEVRY is one of the largest payment processors in the Nordic region with links to all the main acquirers, the solution will be supported by a robust processing platform that ensures full availability and offers the most cost-effective and easily integrated services on the market.

“The payment industry is growing and changing extremely fast, driven by customer demands and innovative technologies. We are extremely proud to present the next step in the payment software evolution, enabling faster implementations and easier payments. This will benefit both small business owners and large retail chains, and not least their customers, who get a better and more alluring payment experience. We are happy to offer the new payment infrastructure to all our payment partners in the Nordics, in collaboration with Surfboard and MYPINPAD,” says Kevin Grönvall, Head of Card Acquiring at TietoEVRY.

“We started Surfboard Payments because we believe the paradigm shift for in-store payments is long overdue and will take place in the near future. We are very excited about the partnership and look forward to enabling Nordic merchants to offer better customer experiences for card-present payments in completely new ways,” says Christopher Lindfeldt, CEO and Founder of Surfboard Payments AB.

“Software is the future of payments, and the future is here - now. MYPINPAD’s software provides ground-breaking opportunities for merchants to innovate, and they can do so with confidence that it is also some of the most secure software in the world. Together with our partners, we’re thrilled to change the shape of payments for Nordic merchants,” says Justin Pike, Founder and Chairman of MYPINPAD.

The software is based on MYPINPAD’s “Tap on phone”, a contactless payment solution. MYPINPAD is the first company in the world to have both its CPoC and SPoC solutions certified under Payment Card Industry (PCI) Security Standards Council (SSC), which ensures the offering is highly secure and globally accepted. The solution is available for acquirers, banks and partners to offer Nordic and international merchants and retailers.

For more information and interview request, please contact:

TietoEVRY Newsdesk,, +46 70 234 20 02

MYPINPAD, +44 330 043 1315

Surfboard Payments,, +46 70 22 00 301


TietoEVRY creates digital advantage for businesses and society. We are a leading digital services and software company with local presence and global capabilities. Our Nordic values and heritage steer our success.

Headquartered in Finland, TietoEVRY employs around 24 000 experts globally. The company serves thousands of enterprise and public sector customers in more than 90 countries. TietoEVRY’s annual turnover is approximately EUR 3 billion and its shares are listed on the NASDAQ in Helsinki and Stockholm as well as on the Oslo Børs.

MYPINPAD is a global leader in secure personal authentication solutions residing on commercially available smartphones and tablets. Our proprietary and globally patented technology secures and protects the input of sensitive information on touchscreens creating a trusted environment. MYPINPAD’s innovative solution set removes the reliance on specialised hardware for personal authentication; reduces cost and complexity, promotes rapid adoption and leverages the connected capabilities of smart devices.

Surfboard Payments is a Swedish-based software developer employing around 45 people in Stockholm, Sweden and Chennai, India. Surfboard Payments is developing payment software and creating new checkout touchpoints which consumers face when completing their purchases. All development is done with the customer journey in primary focus, ensuring an easy checkout experience identical across devices. The dynamic and interactive screens enable marketing to the right person at the right time, in the right place.

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